Tina Xiao is a Planning Consultant at Fidelity Investments, where she has been serving since 2022. She brings over two decades of experience in financial planning, having held various roles within the financial services industry. Prior to her current position, she worked as a Financial Consultant and Investment Consultant at Fidelity Investments from 2011 to 2022, and she has also held positions at Merrill Lynch and Ameriprise Financial dating back to 2003. Her expertise lies in partnering with clients to make informed financial decisions and co-creating customized wealth plans. Tina emphasizes transparency, collaboration, and empowering individuals, focusing not only on financial numbers but also on client feelings and progress. She works with a diverse range of clients, including individuals, families, and businesses, to help them achieve their unique financial goals and aspirations. Outside of her professional work, Tina enjoys outdoor activities such as camping, hiking, and outdoor adventures. She also has interests in museums, photography, and traveling.

Noah Wiegand is a Financial Advisor with Merrill Lynch Wealth Management. He works directly with clients to define their financial goals and develop portfolio strategies tailored to meet those objectives. Noah provides ongoing financial advice and adjusts strategies as clients' situations evolve. With 13 years of experience working with employer-sponsored retirement benefit plans, including 401k, nonqualified deferred compensation, employee stock purchase plans, and equity compensation, Noah integrates this expertise into comprehensive financial planning. His client focus includes college education planning, divorce transition planning, employee benefits planning, executive compensation, equity compensation services, personal retirement planning, portfolio management services, tax minimization, and retirement income. Noah holds a Bachelor's Degree from Pennsylvania State University and has earned the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA) designations. Outside of work, his interests include basketball, football, music, spending time with his family, and traveling.

Carol Lupo is a financial advisor with Wells Fargo Advisors in Cherry Hill, NJ, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. She has been with Wells Fargo Advisors and related affiliates since 2009. Outside of her advisory role, she owns CAL Investment Consultants, LLC and serves as a trustee for its 401(k) plan; she is also involved with Princeton Harriman Insurance Solutions in an insurance advisory capacity. Wells Fargo Advisors is a large broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, with tailored recommendations supported by Wells Fargo’s research and tools, and offers clients flexible implementation options through its brokerage and advisory programs.

Kenneth Catanella is a financial advisor at UBS Financial Services with 51 years of industry experience. He holds Series 63 and Series 65 designations and has been with UBS since 2013. Outside of his advisory work, he serves as a trustee and member of the marketing committee at the Pennsylvania Academy of Fine Arts. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, providing services such as financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research to tailor investment strategies to client goals.

Walter Fletcher is a CFP® professional with 40 years of experience in the financial services industry. He is currently affiliated with Cetera and has previously worked at Summit Financial Group and related entities. Outside of his advisory work, he serves as a successor trustee for a family trust. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through various program structures and manager options.

Lindsey Robbins is a financial advisor at J.P. Morgan Securities with a Series 66 credential and less than one year of industry experience. Her prior work experience includes roles at JPMorgan Chase Bank, AstraZeneca, and Whole Foods. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Christopher Cortina is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and J.P. Morgan Chase Bank since 2019. Prior to that, he was employed at Bank of America and Merrill from 2016 to 2019 and spent time at the University of North Carolina at Chapel Hill. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Michael St. Amour is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked at OSAIC since 2007. He is also the owner and president of Capital Benefit Consultants Inc., a firm focused on investment and employee benefits. OSAIC Wealth, Inc. serves a diverse range of clients including individual investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing various tools and third-party solutions to construct and manage portfolios across multiple asset classes.

Gabriel Garner is a financial advisor at Wells Fargo Clearing with Series 65 and Series 63 licenses and one year of industry experience. Prior to joining Wells Fargo, he worked at Cetera Investment Services LLC and Citadel Credit Union. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Adam Lambert is a financial advisor at UBS Financial Services with 15 years of industry experience. He holds the Series 66 designation and previously worked at Goldman, Sachs & Co. for 11 years before joining UBS in 2021. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a broad range of services such as market-making, proprietary research, and securities-backed lending.

Amber Almeida is a financial advisor at Ameriprise with 18 years of industry experience. She holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2008. Almeida is based in Mullica Hill, NJ. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written, non-discretionary recommendation reports, supporting clients through a centralized consulting team and an algorithm-assisted process.

Najd Hanna is a financial advisor at Edward Jones in Philadelphia, PA, holding a Series 66 designation with 18 years of industry experience. Hanna has been with Edward Jones since 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

John Rafter is a financial advisor with Cetera, holding a Series 66 designation and 12 years of industry experience. He has been a partner at Rafter, Lewis & Paolino Financial Advisors since 2022 and operates Rafter Lewis Financial Advisors LLC. Outside of his advisory work, he co-owns an accounting and CPA practice that assists with tax and accounting matters and serves on the board of First National Bank of Elmer. Cetera Investment Advisers LLC is an SEC-registered adviser that provides a broad range of portfolio management and financial planning services to individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers multiple program structures and investment options, including model portfolios, third-party managers, and bespoke strategies, managing assets across discretionary and non-discretionary accounts.

Nicholas Johnson is a financial advisor with LPL Financial in Pitman, NJ. He holds a Series 66 designation and has been with LPL Financial since 2026. Prior to entering the financial services industry, his work experience includes roles in the hospitality and service sectors. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers diverse advisory programs and financial services supported by proprietary and third-party research.

Vito Mastromonaco is a financial advisor at Charles Schwab with a Series 66 credential and one year of industry experience. His prior roles include positions at Prudential, Wealth Enhancement Group, and several other financial firms. He is based in Philadelphia, PA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized supervisory and operational infrastructure.

Frank Myers is a financial advisor at Edward Jones in Mantua, NJ, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Edward Jones, he worked at Morgan Lewis & Bockius LLP for two years and has experience in the restaurant and hospitality industry. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of more than 23,700 advisors.

Stephanie Cohan is a financial advisor at UBS Financial Services with 26 years of industry experience. She has been with UBS since 2005 and holds Series 63 and Series 65 designations. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and employs proprietary research and model-based asset allocations to tailor client strategies.

Nicholas Santoro is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been providing financial advisory services since 2014. He specializes in creating tailored wealth management strategies that align with clients' individual goals and family wealth. His areas of focus include education planning, investment consulting for defined contribution plans, legacy planning, personal retirement planning, special needs planning strategies, tax minimization, and retirement income. Nick holds a Bachelor's of Science degree in finance from Albright College. He is a Chartered Financial Consultant (ChFC), a Certified Financial Planner (CFP), and a Personal Investment Advisor (PIA). He emphasizes personalized financial strategies based on clients' unique goals and visions for life after retirement rather than relying solely on age-based models. Nicholas lives in Columbus, New Jersey with his family. Outside of his professional work, he enjoys playing the guitar and spending time with his family.

Michael Billiris is a financial advisor at RBC Capital Markets with 10 years of industry experience. He holds Series 63, 65, and 66 licenses and has held positions at SEI Investments Management Corp., JOHCM Funds Distributors, LLC, Foreside Financial Services, LLC, JOHCM (USA) Inc., and Wells Fargo Private Bank. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations with tailored investment strategies using a blend of in-house and third-party investment managers and various advisory programs.

Albert Tedesco is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. He also serves as a power of attorney for a parent. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies developed by internal and third-party teams, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.